Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 07/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.096% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.215% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$7,882 Total Fees$5,082 Lender Fees
 30 Years Fixed
6.229% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$8,117 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.279% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.929 Points$2,973 Points Fee
$5,268 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.322% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.509 Points$1,629 Points Fee
$2,424 Total Fees$795 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$2,995 Total Fees$995 Lender Fees
 30 Years Fixed
6.357% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.509 Points$1,629 Points Fee
$3,624 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.366% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.798 Points$2,554 Points Fee
$3,949 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.370% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.650 Points$2,080 Points Fee
$4,080 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.372% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.949 Points$3,037 Points Fee
$4,132 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.388% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.459% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.570 Points$1,824 Points Fee
$3,060 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.467% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.369 Points$1,181 Points Fee
$7,381 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.585% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.886 Points$2,835 Points Fee
$2,835 Total Fees$0 Lender Fees
 30 Years Fixed
6.617% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.855 Points$2,736 Points Fee
$4,064 Total Fees$1,328 Lender Fees
 30 Years Fixed
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Numbers you can trust
6.429% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.562 Points$1,798 Points Fee
$1,798 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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